Vice President Credit Risk Officer Jobs (NOW HIRING)

Job Level: Vice President Job Function: Governance & Assurance Location: Charlotte, NC, US Employment Type: Full Time

SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries.

Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges. In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization's extensive global network.

The Group's operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.

SMBC is seeking a Vice President to join the Credit Portfolio Risk team within the Risk Management Department of the Americas Division. Reporting to the Director of Credit Portfolio Risk, this role supports the execution of regulatory alignment, policy development, and governance enhancements across key credit risk frameworks. The Vice President will coordinate with cross-functional stakeholders to ensure regulatory requirements are translated into clear, implementable credit policies, controls, and reporting outputs. The role supports audit-defensible documentation, governance transparency, and timely delivery of program milestones aligned to regulatory expectations and risk appetite.

• Regulatory & Policy Alignment: Lead and support regulatory gap assessments across credit risk, ensuring clear traceability from regulatory requirements to internal policy, controls, and execution.
• Credit Policy Development & Governance: Draft and maintain credit risk policies, standards, and procedures; support governance forums with structured materials, decision tracking, and policy alignment.
• Cross-Functional Engagement: Partner with 1LoD, 2LoD, Risk Data & Product, and business stakeholders to align on requirements, manage dependencies, and drive timely resolution of deliverables and approvals.
• Cross-Regional Alignment: Coordinate with regional stakeholders to support consistency in credit risk frameworks, regulatory interpretation, and governance practices across jurisdictions.
• Risk Documentation & Reporting: Prepare and maintain documentation, including gap assessment materials, decision logs, control mappings, and status reporting to support governance transparency and both internal audit and external regulatory review readiness.
• Program Leadership & Execution Discipline: Drive execution across workstreams with clear ownership, milestone tracking, and proactive resolution of risks, issues, and dependencies, ensuring alignment to regulatory timelines and governance expectations.

Support implementation of policy and framework enhancements, including alignment of classification logic, escalation protocols, and reporting outputs with approved governance standards.

Contribute to the enhancement of credit risk processes to strengthen governance, consistency, and regulatory alignment.

Strong understanding of credit risk frameworks, including credit lifecycle management and processes, including watchlist, regulatory classification, and problem asset management. Working knowledge of regulatory expectations and governance structures within a large financial institution. Ability to translate regulatory requirements into actionable policy and control frameworks. Strong program coordination and stakeholder management skills across 1LoD/2LoD environments. Demonstrated ability to produce clear, structured, and audit-ready documentation and presentations.

Demonstrates strong ownership and accountability across complex, multi-workstream regulatory initiatives, ensuring timely and high-quality delivery. Exercises sound judgment in interpreting regulatory expectations and translating them into practical, control-oriented solutions. Operates with a high degree of independence while proactively escalating risks, dependencies, and decision points. Drives clarity across stakeholders by structuring ambiguous requirements into well-defined deliverables, ownership, and timelines. Maintains a disciplined, detail-oriented approach with a focus on audit defensibility, traceability, and documentation integrity.

Communicates with precision and confidence, distilling complex regulatory and policy topics into concise, executive-ready messaging. Produces high-quality written materials and presentations to support governance forums and decision-making. Collaborates effectively across stakeholders, including senior leadership, to drive alignment and execution. Demonstrates the ability to constructively challenge assumptions and influence outcomes in a structured, professional manner.

7+ years of experience in credit risk, credit policy, or regulatory program execution. Experience supporting regulatory remediation, policy development, or risk governance initiatives. Demonstrated experience coordinating cross-functional deliverables in a structured program environment. Education: Bachelor's degree in finance, economics, or related field required.

SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required. SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.